Accidental Death Benefit


Also found in: Financial, Acronyms.

Accidental Death Benefit

A provision of a life insurance policy stating that if the insured—the person whose life has been insured—dies in an accident, the beneficiary of the policy—the person to whom its proceeds are payable—will receive twice the face value of the policy.

The insurance company that is liable for the payment of such a benefit will conduct a thorough investigation into the cause of death of the insured person before paying the claim.

Another name for an accidental death benefit is a double indemnity clause.

West's Encyclopedia of American Law, edition 2. Copyright 2008 The Gale Group, Inc. All rights reserved.
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He submits that other than the aforesaid payment, which was made under the Group Life Insurance Policy, no additional accidental death benefit was liable to be paid to the respondents.
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The accidental death benefit does not cover any loss which results from suicide or attempt at suicide, or an intentionally self-inflicted injury, nor does it include disease, infirmity, infection (except for pyogenic infections occurring through and at the time of a cut or wound due to accident or assault), or medical or surgical treatment thereof.
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